Real results from real experience
I'm Jason Whigham — a licensed mortgage professional with over 25 years of hands-on experience. Whether you're exploring a purchase, a refinance, or an investment property, I help you understand your options and walk through each step with you.
Buy a Home
First-time buyer or moving up
Explore DPA Programs
Learn about grants and forgivable loan programs
Refinance
Lower your rate or tap equity
Invest (DSCR)
Fund a rental, no W-2 needed
Mortgage guidance built around your situation
Every situation is different. I take the time to understand your goals and walk you through the options that may fit — not the other way around.
Purchasing
From your first pre-approval conversation to closing day, I help you understand the financing process so you can focus on finding the right home.
Refinancing
Curious about a better rate, a lower payment, or accessing equity? I review your current loan and walk you through what a refinance could look like.
Down Payment Assistance
Many buyers are unaware of programs they may qualify for. I help you identify grants and assistance programs that may reduce out-of-pocket costs.
DSCR Investor Loans
No tax returns or W-2s required for qualifying deals. I help investors evaluate financing options structured around the property's cash flow.
Purchase & Refinance
Hands-on from application to keys
Loan Program Guidance
I help you understand the loan programs available — FHA, conventional, VA, USDA, or non-QM — given your situation
Rate Comparison
I review pricing across multiple lenders and walk you through the rate and term options available for your scenario
Process Coordination
I help coordinate the timeline from application through closing so the process stays on track
Investor Lending
14+ years working with real estate investors
DSCR Loan Guidance
Programs that may qualify based on the property's income potential, generally without personal tax returns or pay stubs
Portfolio Discussion
Whether it's your second property or your twentieth, I help you think through how the financing may fit your strategy
Streamlined Process
Investor underwriting can move quickly when the file is well prepared — I help keep things organized
A single point of contact, start to finish
When you work with me, you get a single point of contact from the first phone call through the closing process. I personally review every file and stay involved through every step, so questions get answered by the person who knows the file.
25+
Years in lending
14+
Years investor focus
Purchasing
Pre-approval through closing, handled personally.
Refinancing
Better rate, lower payment, or cash in hand.
Direct Access
You talk to me directly — questions get answered first-hand.
A consultative approach to home financing
I focus on understanding your situation first, then walking you through the financing options that may fit. With 25 years of experience, I aim to make a complex process feel approachable.
- You Work With Me Directly
- No handoffs, no junior processors learning on your file. I personally manage every transaction from start to finish.
- Wide Lender Network
- I work with a broad network of wholesale lenders, which lets me compare loan options across multiple sources for your scenario.
- Investor Experience
- 14+ years working with real estate investors across DSCR, non-QM, and portfolio loan programs.
- Honest Conversation
- I share what's realistic upfront. If a scenario doesn't look like a fit today, I'll say so and explain what may need to change.
Wide Lender Network
Access to a broad network of wholesale lenders, helping me compare options across multiple sources.
Licensed in California
Fully licensed and accountable on every transaction.
Responsive Communication
Call, text, or email — I aim to respond the same business day.
What our clients say
“Thank you Team Whigham for getting our family a low rate while paying off school loan debt. I am grateful for your team and your great services during this time.”
— J. Rodriguez
“Your process was painless and the customer service was incredible. My family and I truly appriciate your guidance throughout the refinance process. Thank you a ton.”
— Jen W.
“I have been working with Jason for an entire year while my new home construction was underway. Jason and his team performance was exceptional throughout the entire process! He was not only knowledgeable about loans and processing them but he delivered his services and products with the utmost professionalism. Jason personality is an asset to the company. He makes you feel at ease during a sometimes stressful situation. I definitely will be a return customer and the recommendation I refer.”
— Turquoise D.